Declining Refund: Option 1: Extensive - Standard Refund is declining over 47 months, with 100% guaranteed refund in the first 60 days for any reason. 50% and 90% Refund plans also available. Option 2: Fee for Service - Standard Refund declines over 47 months, with guaranteed refund in the first 60 days for any reason. 50% Refund plans also available.

Medicare Certified?

Yes

Long-term Care Insurance Required?

Not required, but can help with costs related to Assisted Living, Memory Care or Skilled Care for Fee-for-Service or LifeCare plans.